Deepfakes and cyber fraud: why private individuals should protect themselves too
Fake videos, manipulated voices and fraudulent messages have long ceased to be a problem for businesses alone. Private individuals are also increasingly being targeted by cybercriminals.
With so-called deepfakes, fraudsters can now create deceptively realistic videos or voice messages. They pose, for example, as a family member, bank employee or friend. The aim is often to obtain money, steal personal data or take over accounts.
Particularly common today are:
- Phishing e-mails and text messages
- Online banking fraud
- Fake shops and classified ad scams
- Identity theft
- Cyberbullying
- Defamatory content or manipulated images and videos
- Misuse of personal data on social networks
Many people believe that home contents or liability insurance automatically covers such losses. However, this is often not the case. Special cyber insurance for private individuals closes this gap.
Depending on the tariff, it covers, for example:
- Costs in the event of phishing and online banking fraud
- Support in the event of identity theft
- Help with removing defamatory content, images or videos
- Data recovery after viruses or hacker attacks
- Legal advice and support in cases of cyberbullying
- Protection against fraud in fake shops or on online marketplaces
Especially when personal images, videos or sensitive data are misused on the internet, cyber insurance can help quickly – often with IT experts, lawyers or specialist service providers. Home contents and liability insurance often cover such risks only partially. ([Debeka][1])
Cybercrime has long ceased to affect only businesses. More than half of all fraud offences in Germany are now committed via the internet. People who regularly shop online, use banking apps or share a lot of personal data on social networks are particularly affected. ([ARAG Versicherung | Das ist dein Recht][2])
As a brokerage, we help you find suitable cyber insurance for private individuals and families – individually tailored to your digital usage and your personal need for protection.
this text was read on online pages and summarised with AI (Copilot/ChatGPT)